Stocktoria

Citizens Community Bancorp Inc. CZWI

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 2004-03-30 · LEI

Citizens Community Bancorp Inc. statistics & valuation

Market cap$227.0M
P / E15.7×
P / B1.2×
P / FCF21.9×
Dividend yield1.58%
Return on equity7.7%
Net cash$67.0M
Enterprise value USD$160.0M
Graham number +20.6%$24.96

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($24.96); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
4.00% 3.40% 3.20% 6.30% 7.90% 12.40% 10.60% 7.50% 7.70% 7.70% 2016201720182019202020212022202320242025
Shares outstanding
10.0M 11.2M 10.9M 11.3M 11.1M 10.5M 10.5M 10.5M 10.3M 9.9M 2016201720182019202020212022202320242025
Net debt ($)
$60.2M $78.6M $53.1M $16.4M -$67.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.40% 0.30% 0.40% 0.60% 0.80% 1.20% 1.00% 0.70% 0.80% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
1.09× 1.64× 0.64× 0.37× 0.28× 2016201720182019202020212022202320242025
EPS ($)
$0.26 $0.24 $0.58 $0.85 $1.14 $1.98 $1.69 $1.25 $1.34 $1.46 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Citizens Community Bancorp Inc. trades at about 14.2× earnings — above its 10-year norm (10-year range 7.3×–56.5×, median 12.4×).

7.3× 56.5×

Shaded band = 10-year range (7.3×–56.5×); dot = today's 14.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.8%0.8%0.7%1.0%1.2%0.8%0.6%0.4%0.3%0.4%
Return on equity7.7%7.7%7.5%10.6%12.4%7.9%6.3%3.2%3.4%4.0%
Debt / equity0.28×0.37×—————0.64×1.64×1.09×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.